Wealth lending

Borrow against your financial assets and access liquid funds

Find the right lending solution for you – whether you need a straightforward loan facility or have more complex requirements, with help from your Lending Specialist.


Flexible, hassle-free lending solutions with on-going support from your personal Lending Specialist.

Your investments can fall as well as rise. You may not get back what you originally invested.

Ease and flexibility

There’s no application charge and you can buy and sell assets at any time, provided you have sufficient collateral with us.

Space to grow

Thousands of globally traded assets have been approved as collateral, and the number is growing.


If you use this service for leverage, you can re-invest, increasing the gross value of your portfolio and potentially increasing diversification. However, while investment leverage can magnify gains in a rising market, it can also magnify losses when the market falls.

Dedicated support

Your Wealth Manager will be with you every step of the way, from taking trade orders to giving you market updates.

Using lending to your advantage


Make an immediate purchase, take advantage of an opportunity or be assured of a line of credit for short-term borrowing.


Introduce strategic leverage to your investment portfolio – it could amplify returns in a rising market, though a market fall would amplify losses.

Things to consider

  • With a leveraged investment you would be responsible for repaying the loan and interest on it. Adding leverage to your portfolio may amplify returns in a rising market, although losses may also be amplified if the market falls
  • Interest rates on the loan may exceed any gain on the investment. They may also change during the term of the loan
  • There may be an extra risk if you borrow in a different currency to the currency of the assets in your portfolio
  • We recommend you consult your tax adviser before using the service

We will review your portfolio and, if the value drops, or the value of your exposure increases, or if there isn’t enough collateral to support the exposure, we’ll ask you to add more cash or securities to your portfolio. If this isn’t possible, we may have to sell some or all of your assets.

Short Term Property Finance

What is it?

Short Term Property Finance (STPF) is a temporary financing solution for buying property in certain circumstances (like residential property). It’s available for wealth management customers of Barclays Bank UK PLC, and is secured against certain cash and/or investments.

How does it work?

It’s an interest roll-up facility, so you’ll only pay a lump sum when it matures. We have a maximum term available of 12 months, and all facilities are provided on a fixed-term interest-rate basis fixed at drawdown. This fixed rate is dependent in part on the benchmark rate which is, prior to drawdown, either the London Interbank Offered Rate (LIBOR), Euro Interbank Offered Rate (EURIBOR) – or the relevant benchmark rate for the currency (as provided by the respective benchmark administrator). You can see these in our external rates table.

For example, if you took a loan of £1,000,000 for 12 months, and our margin plus LIBOR rate for the period was 2.7%, the single instalment repayment at the end of the term would be £1,027,099.96 with an APRC of 2.7%.

STPF is available in sterling, euros, US dollars – or any other currency we agree on. If you decide to repay in a different currency to that of the facility, the amount in this currency will be affected by changes in foreign exchange rates.

Become a client

Become a client

To become a Wealth Management client, you need to be a UK resident and have £500,000 or more to invest.

Call us on 0800 279 4893^ or leave us your details and we'll be in touch within two business days.

Already a client? Call us on 0800 376 7954*.